{"id":8221,"date":"2026-10-23T18:30:53","date_gmt":"2026-10-23T13:00:53","guid":{"rendered":"https:\/\/www.wittytrades.com\/market-news\/sbicard-share-price-today-2026-10-23\/"},"modified":"2026-10-23T23:37:35","modified_gmt":"2026-10-23T18:07:35","slug":"sbicard-share-price-today-2026-10-23","status":"publish","type":"post","link":"https:\/\/www.wittytrades.com\/market-news\/sbicard-share-price-today-2026-10-23\/","title":{"rendered":"Sbi Cards &#038; Pay Ser Share Price Today: Why SBICARD Is Falling 3.66% | 23 October 2026"},"content":{"rendered":"<style id=\"wt-article-style-v4\">:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) { color:#30475c; font-size:16px; line-height:1.65; min-width:0; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) *, :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) *::before, :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) *::after { box-sizing:border-box; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-copy { font-size:16px !important; line-height:1.65 !important; margin:0 0 12px !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-prose .wt-copy { margin-bottom:15px !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-market-date { font-size:13px !important; line-height:1.55; color:#566b80; background:#f2f6f9; border:1px solid #dde6ec; border-left:4px solid #2e7db2; border-radius:6px; padding:8px 11px; margin:0 0 12px !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip { display:grid; grid-template-columns:repeat(6,minmax(0,1fr)); gap:7px; margin:8px 0 16px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip > div { padding:10px !important; min-width:0; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip > div > div:first-child { font-size:11px !important; line-height:1.45; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip > div > div:last-child { font-size:14px !important; line-height:1.5; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-card { padding:14px 16px; min-width:0; overflow-wrap:anywhere; margin:14px 0 18px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-card-title { font-size:16px; font-weight:800; line-height:1.45; color:#17324d; margin-bottom:6px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-card-date { font-size:13px; line-height:1.5; color:#566b80; margin-bottom:9px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-card-body { font-size:16px; line-height:1.6; color:#34495d; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-card-body .wt-copy:last-child { margin-bottom:0 !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:12px; margin:12px 0 18px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid > .wt-card { margin:0; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid > :only-child { grid-column:1 \/ -1; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-metrics { grid-template-columns:repeat(3,minmax(0,1fr)); margin:10px 0 12px; gap:10px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-metric { background:#fff; border:1px solid #e1e8ef; border-radius:8px; padding:10px 12px; min-width:0; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-label { display:block; font-size:12px; font-weight:700; color:#566b80; line-height:1.5; margin-bottom:3px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-value { font-size:18px; font-weight:800; line-height:1.45; color:#17324d; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-note { display:block; font-size:13px; color:#566b80; line-height:1.55; margin-top:4px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-source-note { margin:9px 0 4px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-source { display:inline-block; font-size:13px; line-height:1.5; margin-top:6px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-row { display:grid; grid-template-columns:2fr 1fr 1.2fr 1.2fr; gap:14px; padding:12px 0; border-bottom:1px solid #c9dbef; align-items:start; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-row:last-of-type { border-bottom:0; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-row strong { font-size:15px; line-height:1.5; display:block; color:#17324d; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-row > div { min-width:0; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-funds { grid-template-columns:repeat(3,minmax(0,1fr)); margin:12px 0; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-funds .wt-card { padding:12px; background:#fff !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-funds .wt-card-title { font-size:14px; font-weight:700; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-funds .wt-card-body { font-size:14px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-brokerage { grid-template-columns:1fr; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-broker-facts { display:flex; flex-wrap:wrap; gap:14px 28px; margin:7px 0 12px; padding-bottom:10px; border-bottom:1px solid #cbd8ea; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-broker-facts strong { font-size:16px; color:#17324d; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-list { font-size:16px !important; line-height:1.65; margin:0 0 12px; padding-left:20px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-list li { margin-bottom:6px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-takeaways .wt-card { background:#f7fbff !important; border-color:#cfe1f2 !important; border-left-color:#2e7db2 !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-takeaways .wt-card-title { color:#1f4d70; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-takeaways .wt-list { margin-bottom:0; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-likely-reason .wt-card { background:#f5fbfd !important; border-color:#c9d9e7 !important; border-left:5px solid #1f7b92 !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-likely-reason .wt-card-title { color:#174c5d; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-likely-reason .wt-card-body > strong { display:block; margin-bottom:6px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta { padding:18px 19px; margin:22px 0; border-radius:13px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-title { font-size:19px; font-weight:800; line-height:1.4; margin-bottom:7px; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-yellow { background:linear-gradient(135deg,#ffe873,#ffd64a); border:1px solid #e3b600; box-shadow:0 8px 18px rgba(59,48,0,.09); }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-yellow .wt-cta-title { color:#10233f !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-yellow .wt-cta-copy { color:#27364b !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-dark { background:#10233f; box-shadow:0 9px 22px rgba(16,35,63,.18); }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-dark .wt-cta-title { color:#fff !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-dark .wt-cta-copy { color:#dce6f1 !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-copy { font-size:16px !important; line-height:1.6; margin:0 0 12px !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-button { display:inline-block; background:#10233f; color:#fff !important; padding:10px 17px; border-radius:7px; text-decoration:none !important; font-size:15px; font-weight:800; line-height:1.5; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-dark .wt-cta-button { background:#ffe36e; color:#10233f !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-faq h3 { color:#173b58 !important; font-size:17px !important; line-height:1.45; margin:18px 0 6px !important; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) > p:last-child { font-size:13px; line-height:1.55; color:#606b78; border-top:1px solid #e1e7ef; padding-top:13px; margin-top:16px; }\n@media (max-width:960px) {\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip { grid-template-columns:repeat(3,minmax(0,1fr)); }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-row { grid-template-columns:1.7fr 1fr 1.2fr 1.2fr; gap:10px; }\n}\n@media (max-width:650px) {\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid { grid-template-columns:1fr; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-metrics { grid-template-columns:repeat(2,minmax(0,1fr)); }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-card { padding:14px; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-row { grid-template-columns:repeat(2,minmax(0,1fr)); gap:10px 14px; padding:12px 0; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-person, :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-row > div:last-child { grid-column:1 \/ -1; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta { padding:17px 15px; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-title { font-size:18px; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip > div { padding:9px !important; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-funds .wt-card-title, :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-funds .wt-card-body { font-size:15px; }\n}\n@media (max-width:420px) {\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip { grid-template-columns:repeat(2,minmax(0,1fr)); }\n}<\/p>\n<p>:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip > div {border:1px solid #dde6ee;border-radius:8px;background:#f9fbfd;}\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip > div > div:last-child {font-weight:800;color:#17324d;}\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) h2 {font-size:24px !important;line-height:1.35 !important;margin:28px 0 14px !important;color:#173b58;}\n<\/style>\n<div class=\"wt-article-v4\" data-witty-phase=\"live\" data-article-version=\"4\">\n<p class=\"wt-market-date\"><strong>NSE: SBICARD<\/strong> \u00b7 23 October 2026<\/p>\n<div class=\"wt-price-strip\">\n<div>\n<div>Price<\/div>\n<div>\u20b9545.55<\/div>\n<\/div>\n<div>\n<div>Change<\/div>\n<div>-3.66%<\/div>\n<\/div>\n<div>\n<div>High \/ Low<\/div>\n<div>\u20b9569.45 \/ \u20b9525.00<\/div>\n<\/div>\n<div>\n<div>Prev. Close<\/div>\n<div>\u20b9566.30<\/div>\n<\/div>\n<div>\n<div>Volume<\/div>\n<div>28.31 lakh<\/div>\n<\/div>\n<div>\n<div>Price as of<\/div>\n<div>23 October 2026 \u00b7 03:30 PM IST<\/div>\n<\/div>\n<\/div>\n<div class=\"wt-takeaways\">\n<div class=\"wt-card\" data-card=\"research\" style=\"background:#f4f8fd;border:1px solid #cbd8ea;border-left:4px solid #466fa5;border-radius:10px\">\n<div class=\"wt-card-title\">Key Takeaways<\/div>\n<div class=\"wt-card-body\">\n<ul class=\"wt-list\">\n<li>SBI Cards and Payment Services Limited (SBICARD) declined 3.66% today, settling at \u20b9545.55 after touching an intraday high of \u20b9569.45 and a low of \u20b9525.00, which also marked its 52-week low.<\/li>\n<li>SBI Cards and Payment Services reported total revenue of \u20b95,302 crore for the quarter ended September 30, 2026, marking a 3% increase year-on-year. Profit after tax jumped 75% year-on-year to \u20b9778 crore, supported by lower impairment losses and bad debts expenses of \u20b9819 crore compared to \u20b91,293 crore in the same period last year. Gross non-performing assets improved to 1.90% of gross advances from 2.85% a year ago.<\/li>\n<li>Trading volume was 3.08 times the 20-day average daily volume.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<h2>Why is Sbi Cards &amp; Pay Ser share price falling on 23 October 2026?<\/h2>\n<div class=\"wt-prose\">\n<p class=\"wt-copy\">SBI Cards and Payment Services Limited (SBICARD) declined 3.66% today, settling at \u20b9545.55 after touching an intraday high of \u20b9569.45 and a low of \u20b9525.00, which also marked its 52-week low.<\/p>\n<p class=\"wt-copy\">The broader market benchmark Nifty slipped 0.39%, while the Nifty Financial Services sector faced downward pressure amid ongoing weakness in financial names. SBICARD&#x27;s decline aligns with an extended correction phase, carrying a 5-day return of -4.82% and a 20-day return of -14.09%, reflecting persistent caution in the unsecured credit card lending space.<\/p>\n<p class=\"wt-copy\">The downward move coincided with the release of the company&#x27;s financial results for the quarter ended September 30, 2026, where profit after tax rose 75% year-on-year to \u20b9778 crore alongside a stable credit rating reaffirmation from ICRA. Although the earnings update provided solid operating metrics, including a gross non-performing asset ratio of 1.90%, market participants weighed ongoing credit cost dynamics and asset quality vulnerability in the unsecured loan portfolio against broader sectoral trends.<\/p>\n<p class=\"wt-copy\">28.31 lakh shares traded by 23 October 2026 \u00b7 03:30 PM IST. This compares with a 20-day average daily volume of 9.19 lakh shares (3.08 times). The five-day average daily volume was 10.29 lakh shares. Separately, the NSE report for 23 October 2026 showed 7.11 lakh shares delivered, representing 25.12% of that day\u2019s traded volume. The same report recorded 71,997 trades.<\/p>\n<\/div>\n<div class=\"wt-likely-reason\">\n<div class=\"wt-card\" data-card=\"research\" style=\"background:#f4f8fd;border:1px solid #cbd8ea;border-left:4px solid #466fa5;border-radius:10px\">\n<div class=\"wt-card-title\">Likely Reason<\/div>\n<div class=\"wt-card-body\"><strong>Earnings reaction and continued weakness in unsecured lending segment<\/strong><\/p>\n<p class=\"wt-copy\">The stock&#x27;s 3.66% decline on high volume (3.08x the 20-day average) occurred alongside the release of Q2 FY27 earnings and credit rating updates. While headline profit surged, cautious sentiment around unsecured portfolio vulnerabilities and broader sector headwinds contributed to the downward price action.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<aside class=\"wt-cta wt-cta-yellow\">\n<div class=\"wt-cta-title\">Research the Market \u2014 Not Just the Headline<\/div>\n<p class=\"wt-cta-copy\">Explore WittyTrades research across market segments.<\/p>\n<p><a class=\"wt-cta-button\" href=\"https:\/\/www.wittytrades.com\/Segments.html\">Explore WittyTrades Research \u2192<\/a><\/aside>\n<h2>Latest Company Developments<\/h2>\n<div class=\"wt-grid wt-grid-news\">\n<div class=\"wt-card\" data-card=\"news\" style=\"background:#fff;border:1px solid #dce5eb;border-left:4px solid #2e7db2;border-radius:10px\">\n<div class=\"wt-card-title\">Q2 FY27 Financial Results and Profit Update<\/div>\n<div class=\"wt-card-date\">23 October 2026<\/div>\n<div class=\"wt-card-body\">\n<p class=\"wt-copy\">SBI Cards and Payment Services reported total revenue of \u20b95,302 crore for the quarter ended September 30, 2026, marking a 3% increase year-on-year. Profit after tax jumped 75% year-on-year to \u20b9778 crore, supported by lower impairment losses and bad debts expenses of \u20b9819 crore compared to \u20b91,293 crore in the same period last year. Gross non-performing assets improved to 1.90% of gross advances from 2.85% a year ago.<\/p>\n<p class=\"wt-copy\">Quarterly earnings updates directly influence valuation by detailing core revenue growth, credit provisioning trends, and profitability metrics.<\/p>\n<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"news\" style=\"background:#fff;border:1px solid #dce5eb;border-left:4px solid #2e7db2;border-radius:10px\">\n<div class=\"wt-card-title\">Launch of Co-Branded Eternal SBI Card<\/div>\n<div class=\"wt-card-date\">15 October 2026<\/div>\n<div class=\"wt-card-body\">\n<p class=\"wt-copy\">SBI Card announced the launch of the co-branded Eternal SBI Card in partnership with Eternal, expanding its lifestyle and rewards portfolio. The initiative aims to deepen customer acquisition across digital and retail ecosystems. This follows other recent portfolio additions, including the FD-backed secured Advantage SBI Card launched on the SBI YONO platform.<\/p>\n<p class=\"wt-copy\">New product rollouts and strategic co-branded partnerships drive cardholder acquisition and support long-term fee income growth.<\/p>\n<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"news\" style=\"background:#fff;border:1px solid #dce5eb;border-left:4px solid #2e7db2;border-radius:10px\">\n<div class=\"wt-card-title\">Press Release<\/div>\n<div class=\"wt-card-date\">23 October 2026<\/div>\n<div class=\"wt-card-body\">\n<p class=\"wt-copy\">a press release dated October 23, 2026, titled &quot;Financial Results of the Company for the quarter ended September 30, 2026&quot;.<\/p>\n<p><a class=\"wt-source\" href=\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026150310_SEFilingPressReleaseSep2026signed.pdf\" rel=\"noopener\">Original source \u2192<\/a><\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"news\" style=\"background:#fff;border:1px solid #dce5eb;border-left:4px solid #2e7db2;border-radius:10px\">\n<div class=\"wt-card-title\">Outcome of Board Meeting<\/div>\n<div class=\"wt-card-date\">23 October 2026<\/div>\n<div class=\"wt-card-body\">\n<p class=\"wt-copy\">SBI Cards and Payment Services Limited has submitted to the Exchange, the Financial Results for the period ended September 30, 2026.<\/p>\n<p><a class=\"wt-source\" href=\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026143701_SEFilingOutcomeofBoardMeetingSep2026.pdf\" rel=\"noopener\">Original source \u2192<\/a><\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"news\" style=\"background:#fff;border:1px solid #dce5eb;border-left:4px solid #2e7db2;border-radius:10px\">\n<div class=\"wt-card-title\">Earnings \/ operating update<\/div>\n<div class=\"wt-card-date\">23 October 2026<\/div>\n<div class=\"wt-card-body\">\n<p class=\"wt-copy\">a press release dated October 23, 2026, titled &quot;Financial Results of the Company for the quarter ended September 30, 2026&quot;.<\/p>\n<p><a class=\"wt-source\" href=\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026150310_SEFilingPressReleaseSep2026signed.pdf\" rel=\"noopener\">Original source \u2192<\/a><\/div>\n<\/div>\n<\/div>\n<h2>Ownership &amp; Transaction Activity<\/h2>\n<div class=\"wt-grid wt-grid-ownership\">\n<div class=\"wt-card\" data-card=\"ownership\" style=\"background:#fff8e8;border:1px solid #ecd39e;border-left:4px solid #cc922c;border-radius:10px\">\n<div class=\"wt-card-title\">Shareholding<\/div>\n<div class=\"wt-card-date\">As of 30 September 2026<\/div>\n<div class=\"wt-card-body\">\n<div class=\"wt-grid wt-grid-metrics\">\n<div class=\"wt-metric\">\n<div class=\"wt-label\">Promoter holding<\/div>\n<div class=\"wt-value\">68.86%<\/div>\n<div class=\"wt-note\">68.86% on 30 June 2026<\/div>\n<\/div>\n<div class=\"wt-metric\">\n<div class=\"wt-label\">FII\/FPI<\/div>\n<div class=\"wt-value\">7.12%<\/div>\n<div class=\"wt-note\">8.99% on 30 June 2026<\/div>\n<\/div>\n<div class=\"wt-metric\">\n<div class=\"wt-label\">Institutional holding<\/div>\n<div class=\"wt-value\">27.32%<\/div>\n<div class=\"wt-note\">27.12% on 30 June 2026<\/div>\n<\/div>\n<\/div>\n<p><a class=\"wt-source\" href=\"https:\/\/nsearchives.nseindia.com\/corporate\/xbrl\/SHP_1737457_14102026121442_WEB.xml\" rel=\"noopener\">NSE shareholding filing \u2192<\/a><\/div>\n<\/div>\n<\/div>\n<h2>Mutual Fund Holdings<\/h2>\n<div class=\"wt-card\" data-card=\"funds\" style=\"background:#f7f9fc;border:1px solid #d5e0ea;border-left:4px solid #6a849c;border-radius:10px\">\n<div class=\"wt-card-title\">Mutual-fund ownership<\/div>\n<div class=\"wt-card-body\">\n<p class=\"wt-copy\">Mutual funds held 13.00% on 30 September 2026. This compares with 10.80% on 30 June 2026, a change of +2.20 percentage points.<\/p>\n<p class=\"wt-copy\">The filing reported 34 MF\/UTI holders.<\/p>\n<div class=\"wt-grid wt-grid-funds\">\n<div class=\"wt-card\" data-card=\"funds\" style=\"background:#f7f9fc;border:1px solid #d5e0ea;border-left:4px solid #6a849c;border-radius:10px\">\n<div class=\"wt-card-title\">Icici Prudential Large &amp; Mid Cap Fund<\/div>\n<div class=\"wt-card-date\">30 September 2026<\/div>\n<div class=\"wt-card-body\">7.33 crore shares \u00b7 7.71%<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"funds\" style=\"background:#f7f9fc;border:1px solid #d5e0ea;border-left:4px solid #6a849c;border-radius:10px\">\n<div class=\"wt-card-title\">Nippon Life India Trustee Ltd-A\/C Nippon India Multi Cap Fund<\/div>\n<div class=\"wt-card-date\">30 September 2026<\/div>\n<div class=\"wt-card-body\">2.06 crore shares \u00b7 2.16%<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"funds\" style=\"background:#f7f9fc;border:1px solid #d5e0ea;border-left:4px solid #6a849c;border-radius:10px\">\n<div class=\"wt-card-title\">SBI Large &amp; Mid Cap Fund<\/div>\n<div class=\"wt-card-date\">30 September 2026<\/div>\n<div class=\"wt-card-body\">95.18 lakh shares \u00b7 1.00%<\/div>\n<\/div>\n<\/div>\n<div class=\"wt-note wt-source-note\">These are quarterly holdings, rather than purchases or sales on the article date.<\/div>\n<p><a class=\"wt-source\" href=\"https:\/\/nsearchives.nseindia.com\/corporate\/xbrl\/SHP_1737457_14102026121442_WEB.xml\" rel=\"noopener\">NSE shareholding filing \u2192<\/a><\/div>\n<\/div>\n<h2>Historical Bulk \/ Block Deals<\/h2>\n<div class=\"wt-grid wt-grid-cards\">\n<div class=\"wt-card\" data-card=\"deals\" style=\"background:#fff8f2;border:1px solid #ead4c0;border-left:4px solid #b17640;border-radius:10px\">\n<div class=\"wt-card-title\">BNP PARIBAS FINANCIAL MARKETS<\/div>\n<div class=\"wt-card-date\">31 August 2026<\/div>\n<div class=\"wt-card-body\">Buy \u00b7 97.84 lakh shares \u00b7 \u20b9646.04<\/p>\n<div class=\"wt-note wt-source-note\">NSE-reported large-deal disclosure<\/div>\n<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"deals\" style=\"background:#fff8f2;border:1px solid #ead4c0;border-left:4px solid #b17640;border-radius:10px\">\n<div class=\"wt-card-title\">BLACKROCK INTL LTD<\/div>\n<div class=\"wt-card-date\">31 August 2026<\/div>\n<div class=\"wt-card-body\">Sell \u00b7 52.87 lakh shares \u00b7 \u20b9647.68<\/p>\n<div class=\"wt-note wt-source-note\">NSE-reported large-deal disclosure<\/div>\n<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"deals\" style=\"background:#fff8f2;border:1px solid #ead4c0;border-left:4px solid #b17640;border-radius:10px\">\n<div class=\"wt-card-title\">BLACKROCK GLOBAL FUNDS<\/div>\n<div class=\"wt-card-date\">31 August 2026<\/div>\n<div class=\"wt-card-body\">Sell \u00b7 49.99 lakh shares \u00b7 \u20b9644.75<\/p>\n<div class=\"wt-note wt-source-note\">NSE-reported large-deal disclosure<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2>What to Watch Next<\/h2>\n<ul class=\"wt-list\">\n<li>Management commentary and institutional investor feedback from the post-earnings analyst meet<\/li>\n<li>Trajectory of gross and net non-performing assets in upcoming quarters<\/li>\n<li>Credit cost trends and weighted average cost of borrowings following systemic interest rate cycles<\/li>\n<li>Delivery volume trends against the 20-day average volume of cash trades<\/li>\n<\/ul>\n<h2>Other Dated Coverage<\/h2>\n<ul class=\"wt-list\">\n<li><a href=\"https:\/\/www.wittytrades.com\/market-news\/sbicard-share-price-today-2026-10-22\/\">Sbi Cards &amp; Pay Ser Share Price Today: Why SBICARD Is Rising 1.26% | 22 October 2026 \u2014 22 October 2026<\/a><\/li>\n<li><a href=\"https:\/\/www.wittytrades.com\/market-news\/sbicard-share-price-today-2026-10-19\/\">Sbi Cards &amp; Pay Ser Share Price Today: Why SBICARD Is Rising 1.26% | 19 October 2026 \u2014 19 October 2026<\/a><\/li>\n<li><a href=\"https:\/\/www.wittytrades.com\/market-news\/sbicard-share-price-today-2026-10-16\/\">SBI Cards in Focus After Launching Co-Branded Eternal SBI Card | 16 October 2026 \u2014 16 October 2026<\/a><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.wittytrades.com\/market-news\/tag\/sbicard\/\">More Sbi Cards &amp; Pay Ser news and dated analysis \u2192<\/a><\/p>\n<aside class=\"wt-cta wt-cta-dark\">\n<div class=\"wt-cta-title\">Looking for Research-Backed Market Opportunities?<\/div>\n<p class=\"wt-cta-copy\">Explore WittyTrades research across market segments.<\/p>\n<p><a class=\"wt-cta-button\" href=\"https:\/\/www.wittytrades.com\/Segments.html\">Explore WittyTrades Research \u2192<\/a><\/aside>\n<h2>Frequently Asked Questions<\/h2>\n<div class=\"wt-faq\">\n<h3>What is the latest Sbi Cards &amp; Pay Ser company news?<\/h3>\n<p class=\"wt-copy\">SBI Cards and Payment Services reported total revenue of \u20b95,302 crore for the quarter ended September 30, 2026, marking a 3% increase year-on-year. Profit after tax jumped 75% year-on-year to \u20b9778 crore, supported by lower impairment losses and bad debts expenses of \u20b9819 crore compared to \u20b91,293 crore in the same period last year. Gross non-performing assets improved to 1.90% of gross advances from 2.85% a year ago.<\/p>\n<h3>How strong was Sbi Cards &amp; Pay Ser\u2019s trading volume?<\/h3>\n<p class=\"wt-copy\">28.31 lakh shares traded, 3.08 times the 20-day average daily volume. The price and volume data are dated 23 October 2026 \u00b7 03:30 PM IST.<\/p>\n<h3>Do the mutual-fund figures show buying today?<\/h3>\n<p class=\"wt-copy\">They show holdings on 30 September 2026. Quarterly holdings do not identify purchases made on the article date.<\/p>\n<\/div>\n<p><strong>Research &amp; analysis:<\/strong> <a href=\"https:\/\/www.wittytrades.com\/About_Us.html\">WittyTrades Research Desk<\/a><br \/><strong>Reviewed by:<\/strong> <a href=\"https:\/\/www.wittytrades.com\/About_Us.html\">Mohanish Sanghavi \u2014 SEBI Registered Research Analyst<\/a><\/p>\n<p>Disclaimer: Investments in securities markets are subject to market risks. Registration with SEBI and NISM certification do not guarantee performance or returns. This article is for information and education, not personalised investment advice or a recommendation to buy, sell or hold.<\/p>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"NewsArticle\", \"@id\": \"https:\/\/www.wittytrades.com\/market-news\/sbicard-share-price-today-2026-10-23\/#article\", \"mainEntityOfPage\": {\"@type\": \"WebPage\", \"@id\": \"https:\/\/www.wittytrades.com\/market-news\/sbicard-share-price-today-2026-10-23\/\"}, \"headline\": \"Sbi Cards & Pay Ser Share Price Today: Why SBICARD Is Falling 3.66% | 23 October 2026\", \"description\": \"Sbi Cards & Pay Ser share price fell 3.66% to \u20b9545.55 today. See why SBICARD is falling, volume context, company developments and what to watch next.\", \"datePublished\": \"2026-10-23T13:00:53Z\", \"dateModified\": \"2026-10-23T23:37:28.339848+05:30\", \"author\": {\"@type\": \"Organization\", \"name\": \"WittyTrades Research Desk\", \"url\": \"https:\/\/www.wittytrades.com\/About_Us.html\"}, \"reviewedBy\": {\"@type\": \"Person\", \"name\": \"Mohanish Sanghavi\", \"jobTitle\": \"SEBI Registered Research Analyst\", \"url\": \"https:\/\/www.wittytrades.com\/About_Us.html\"}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"WittyTrades\", \"url\": \"https:\/\/www.wittytrades.com\/\"}, \"inLanguage\": \"en-IN\", \"image\": [\"https:\/\/www.wittytrades.com\/market-news\/wp-content\/uploads\/2026\/10\/sbicard-company-news-2026-10-23.jpg\"]}<\/script><!-- wt-article-record:{\"news_events\":[{\"title\":\"Credit Rating\",\"summary\":\"Credit Rating\",\"source\":\"NSE\",\"published\":\"23-Oct-2026 18:37:22\",\"source_type\":\"official filing\",\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026183203_SEFilingCreditRatingOct2026.pdf\",\"disclosure_text\":\"October 23, 2026 The BSE Limited Corporate Relationship Department. Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400 001 SCRIP CODE: 543066 SECURITY: Equity Shares\/Debentures Dear Sirs, The National Stock Exchange of India Limited Exchange Plaza, C-1, Block G, Bandra-Kurla Complex. Bandra (E), Mumbai - 400 051 SYMBOL: SBICARD SECURITY: Equity Shares Re: Credit Rating intimation under Regulation 30 of SEBI (LODR) Regulations, 2015 Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we wish to inform you that ICRA has reaffirmed\/withdrawn the rating for the Debt Instruments and the bank facilities availed by the Company. The summary of instrument-wise rating actions are as follows: Rating Agency: ICRA Limited Instrument* Previous Current Rating action rated rated amount amount (Rs. Cr.) (Rs. Cr.) Non-Convertible 7,750 7,750 [ICRA]AAA (Stable); reaffirmed Debentures Subordinated debt 5,300 5,300 [ICRA]AAA (Stable); reaffirmed Long-term\/ Short term 34,000 34,000 [ICRA]AAA (Stable)\/[ICRA] - Bank lines \/ A 1 +; reaffirmed Commercial paper (CP) programme\\\" Long-term\/ Short-term 13,000 13,000 [ICRA]AAA(Stable)\/[ICRA]Al+; bank lines - Others\\\" reaffirmed Term Loan 15,000 15,000 [ICRA]AAA(Stable); reaffirmed Non-Convertible 800 0.00 [ICRA]AAA (Stable); reaffirmed Debentures and withdrawn Total 75,850 75,050 *Instrument details are provided in Annexure I; \\\" CP borrowings are carved out of bank lines; Total outstanding against the bank lines should not exceed Rs. 47,000 crore (of which CP utilisation cannot exceed Rs. 34,000 crore) SBI Cards and Payment Services Ltd. DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3, DLF Cyber City, Gurugram - 122002, Haryana, India Tel.: 18001801290 Email: customercare@sbicard.com Website: sbicard.com Registered Office: Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi - 110034 CIN - L65999DL 1998PLC093849 The rating documents issued by ICRA are enclosed. Kindly take the same on record. Thanking you, Yours faithfully, For SBI Cards and Payment Services Limited Payal Mittal Chhabra Chief Compliance Officer and Company Secretary Date & Time of Event:- October 23, 2026 at 04:22 PM Enclosed: As above SBI Cards and Payment Services Ltd. DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3, DLF Cyber City, Gurugram - 122002, Haryana, India Tel. : 18001801290 Email: customercare@sb icard.com Website: sbicard.com Registered Office: Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi - 110034 CIN - L65999DL 1998PLC093849 www.icra .in Page | 1 Sensitivity Label : Public October 23, 2026 SBI Cards and Payment Services Limited: Ratings reaffirmed; rating reaffirmed and withdrawn for matured instruments Summary of rating action Instrument* Previous rated amount (Rs. crore) Current rated amount (Rs. crore) Rating action Financial Sector Regulator# Non-convertible debentures 7,750.00 7,750.00 [ICRA]AAA (Stable); reaffirmed SEBI Subordinated debt 5,300.00 5,300.00 [ICRA]AAA (Stable); reaffirmed SEBI Long term\/Short term \u2013 Bank lines\/ Commercial paper (CP) programme^ 34,000.00 34,000.00 [ICRA]AAA (Stable)\/[ICRA]A1+; reaffirmed RBI Long-term\/Short-term bank lines \u2013 Others^ 13,000.00 13,000.00 [ICRA]AAA (Stable)\/[ICRA]A1+; reaffirmed RBI Term loan 15,000.00 15,000.00 [ICRA]AAA (Stable); reaffirmed RBI Non-convertible debentures 800.00 0.00 [ICRA]AAA (Stable); reaffirmed and withdrawn SEBI Total 75,850.00 75,050.00 *Instrument details are provided in Annexure I; ^ CP borrowings are carved out of bank lines; Total outstanding against the bank lines should not exceed Rs. 47,000 crore (of which CP utilisation cannot exceed Rs. 34,000 crore) #SEBI\u2019s grievance redressal\/dispute resolution and SEBI investor protection mechanisms such as SCORES and ODR shall not be available for activities and instruments which fall under the regulatory purview of Financial Sector Regulators other than SEBI. Rationale The ratings factor in the strong parentage of SBI Cards and Payment Services Limited (SBICPSL) with a majority stake held by State Bank of India (SBI; rated [ICRA]AAA (Stable)\/[ICRA]A1+). As the credit card business is a key product offering for the bank\u2019s customers, it is strategically important for SBI. ICRA believes that SBI will maintain a majority stake in the company and will continue providing support, if required, going forward. The ratings factor in SBICPSL\u2019s strong liquidity position and adequate capitalisation for the current scale of operations (ne t worth of Rs. 16,39 1 crore and a gearing of 2.9 times as on June 30, 2026). The company\u2019s FY2026 profitability improved, supported by lower weighted average cost of funds, relatively higher fee-based income and lower credit costs. Consequently, SBICPSL\u2019s net profitability {return on assets (RoA)} improved to 3.2% in FY2026 (3.8% annualised in Q1 FY2027) from 3.0% in FY2025. While the net profitability remained below the peak level of 5.5% in FY2023, it continues to remain comfortable. The asset quality indicators improved , with gross stage 3 of 2.4% as on March 31, 2026 compared to 3.1% as on March 31, 2025 owing to lower fresh slippages and high write-offs during the year. The improvement in asset quality continued in Q1 FY2027, with gross stage 3 at 2.0% as on June 30, 2026 on account of lower fresh slippages despite some decline in write-offs. Consequently, while the net credit cost in relation to average total assets (ATA) remained elevated at 6.3% in FY2026 (6.8% in FY2025), it declined to 4.5% in Q1 FY2027. Going forward, the company\u2019s ability to control slippages and hence , sustain the reduction in the credit costs would be imperative for improving the earnings profile. On the capitalisation front, the Tier I capital adequacy stood at 20.3% as on June 30, 2026. SBICPSL has adequate capital buffers to absorb asset-side shocks, if any, going forward. The evolving trajectory of the asset quality due to the company\u2019s strategic decision to recalibrate its risk appetite will remain a key monitorable, given its vulnerable portfolio due to the unsecured nature of the loans. www.icra .in Page | 2 Sensitivity Label : Public ICRA has reaffirmed and withdrawn the rating assigned to the Rs. 800-crore non -convertible debentures (NCDs) as no amount is outstanding against the same, in accordance with ICRA\u2019s policy on the withdrawal of credit ratings. The Stable outlook reflects ICRA\u2019s expectation that SBICPSL will maintain a strong position in the domestic credit card industry and grow the business profitably, with branding support from the parent, which should continue to augur well for its credit profile. ICRA believes that the company would remain strategically important to SBI , which will continue to provide support, going forward, as and when required. Key rating drivers and their description Credit strengths Strong parentage with majority stake held by SBI \u2013 SBICPSL is a subsidiary of SBI ( 68.58% stake as on June 30, 2026). The company hosts the parent\u2019s credit card business. As this is a key product offering for the bank\u2019s customers, SBICPSL is strategically important for SBI. Also, it shares strong management integration with the parent, with senior employees from the bank being deputed to senior positions at the company. The association with SBI has helped it grow business volumes by leveraging the parent\u2019s brand name, vast customer base and branch network. Moreover, SBI continues to be the largest lender to SBICPSL (47% of the total borrowings as on June 30, 2026) with a track record of enhancing the working capital lines in the past, whenever required. Comfortable profitability \u2013 SBICPSL\u2019s RoA improved to 3.2% in FY2026 from 3.0% in FY2025 supported by lower weighted average cost of funds owing to reduction in systemic rates, relatively higher fee-based income (due to higher corporate spends) and reduction in credit costs (due to lower incremental provisions and higher recoveries) . The RoA improved further to 3.8% in Q1 FY2027, supported by the decline in credit cost (due to reversal of provisions and lower write -offs). Going forward, with the recent onset of the rate hike cycle, the company may witness increase in weighted average cost of funds following repricing of borrowings as they become due for reset and could exert pressure on the net interest margin (NIM). Moreover, the company\u2019s ability to control slippages and hence , sustain the reduction in the credit costs would be imperative for improving the earnings profile . Nevertheless, t he profitability is expected to remain range -bound and at comfortable levels over the near-to-medium term. Adequate capitalisation \u2013 SBICPSL remains adequately capitalised for the current scale of operations, with a net worth of Rs. 16,391 crore and a gearing of 2.9 times as on June 30, 2026 (Rs. 15,72 5 crore and 2.8 times as on March 31, 2026). The Tier I and total capital to risk-weighted assets ratio (CRAR) improved to 20.3% and 25.6%, respectively, as on June 30, 2026 (20.0% and 25.5%, respectively, as on March 31, 2026) from 17.5% and 22.9%, respectively, as on March 31, 2025. This was supported by healthy internal accruals while it witnessed decline in growth in the receivables. Further, the company has enough buffer available in the Tier II capital to increase its capital adequacy. SBICPSL has adequate capital buffers to absorb asset-side shocks, if any, going forward. In ICRA\u2019s opinion, prudent capitalisation level is one of the key risk mitigants and a monitorable, given the monoline nature of the company\u2019s operations and the unsecured portfolio. In this regard, SBICPSL is expected to maintain a prudent capitalisation level and ICRA believes that capital support from SBI will be forthcoming, if required. Credit challenges Portfolio remains vulnerable due to unsecured nature of loans \u2013 The asset quality indicators improved with gross stage 3 of 2.4% as on March 31, 2026 compared to 3.1% as on March 31, 2025 owing to lower fresh slippages and high write-offs during the year. The improvement in asset quality continued in Q1 FY2027 with gross stage 3 at 2.0% as on June 30, 2026 on account of lower fresh slippages despite some decline in write-offs. Consequently, while the net credit cost in relation to ATA remained elevated at 6.3% in FY2026 (6.8% in FY2025 ), it declined to 4.5% in Q1 FY2027. Notwithstanding the improvement in asset quality indicators, SBICPSL\u2019s portfolio remains vulnerable as it is largely unsecured , with only 0.5% being secured in nature as on March 31, 2026. ICRA notes that the company had earlier tightened its underwriting practices and portfolio management models and the evolving trajectory of the asset quality on account of its strategic decision to recalibrate its risk appetite will remain a key monitorable. www.icra .in Page | 3 Sensitivity Label : Public Environmental and social risks Given the service-oriented business of SBICPSL, its direct exposure to environmental risks\/material physical climate risks is not significant. Further, the company\u2019s exposure remains concentrated towards individuals in the form of unsecured credit card exposures. Thus, lending institutions can generally be exposed to environmental risks indirectly through their portfolio of assets, which could translate into credit risk. However, such risks are not material for SBICPSL. With regard to social risks, data security and customer privacy are among the key sources of vulnerability for lending institutions as material lapses could be detrimental to their reputation and invite regulatory censure. SBICPSL has not faced such lapses over the years, which highlights its sensitivity to such risks. Also, the disclosures made by the company outline the key policies, processes and investments that it has made to mitigate the occurrence of such instances. SBICPSL has forayed into digital customer onboarding and is making investments to enhance its digital interface with its customers. Liquidity position: Strong Given the relatively shorter tenure of the assets, SBICPSL\u2019s asset -liability maturity (ALM) profile, in the normal course of business, is characterised by positive cumulative mismatches in all buckets up to 1 year. Further, it maintains sizeable liquidity backup in the form of sanctioned and unutilised bank lines of Rs. 14,600 crore as on June 30, 2026. The company\u2019s liquidity profile also benefits from access to funding from its parent, i.e. SBI. Against debt repayments of Rs. 3 3,744 crore in the next one year, advance inflows of Rs. 51,153 crore are expected as per the ALM profile as on June 30, 2026. The liquidity is also supported by the cash and bank balance of Rs. 2,185 crore and liquid investments of about Rs. 8,265 crore as on June 30, 2026. The company\u2019s borrowing profile leans towards bank borrowings (both bank lines and term loans), which accounted for the majority (86.0%) of the funding base as on June 30, 2026, followed by debentures (13.7%), and others (including lease liability; 0.3%). Rating sensitivities Positive factors \u2013 Not applicable Negative factors \u2013 Pressure on the ratings could emerge upon a significant decline in SBI\u2019s shareholding, resulting in a lower likelihood of support from the parent and\/or reduced operational linkages, besides a change in SBI\u2019s credit profile. A sustained deterioration in the asset quality profile, thereby weakening the solvency profile, would also be a credit negative. Analytical approach Analytical approach Comments Applicable rating methodologies ICRA\u2019s Credit Rating Methodology for Non-banking Finance Companies (NBFCs) Policy on Withdrawal of Credit Ratings Parent\/Group support Parent\/Group company: State Bank of India ICRA expects SBI to be willing to extend financial support to SBICPSL, if needed, given the importance of the credit card business for SBI. SBI and SBICPSL also share a common name, which, in ICRA's opinion, would persuade SBI to provide financial support to the company to protect its reputation from the consequences of a Group entity's distress. Consolidation\/Standalone Standalone About the company SBICPSL, incorporated in 1998 and a 68. 58% subsidiary (as on June 30, 2026) of State Bank of India (SBI), is a non -banking financial company (NBFC) registered with the Reserve Bank of India (RBI). It is the second -largest credit card provider in the country, with a card base of 2.26 crore as on June 30, 2026 (2.21 crore as on March 31, 202 6). SBICPSL reported a profit after tax (PAT) of Rs. 2,167 crore in FY2026 on a total asset base of Rs. 68,270 crore as on March 31, 2026 compared to PAT of Rs. 1,916 crore in FY2025 on a total asset base of Rs. 67,451 crore as on March 31, 2025. Its net worth stood at Rs. 15,72 5 crore with CRAR of 25.5% as on March 31, 2026 compared to Rs. 13,782 crore and 22.9%, www.icra .in Page | 4 Sensitivity Label : Public respectively, as on March 31, 2025. The gross and net stage 3 stood at 2.4% and 1.0%, respectively, as on March 31, 2026 compared to 3.1% and 1.5%, respectively, as on March 31, 2025. The company reported a PAT of Rs. 664 crore in Q1 FY2027 on a total asset base of Rs. 71,585 crore as on June 30, 202 6. Its net worth stood at Rs. 16,391 crore with CRAR of 25.6% as on June 30, 2026. The gross and net stage 3 stood at 2.0% and 0.8%, respectively, as on June 30, 2026. Key financial indicators (KFIs) SBICPSL FY2025 FY2026 Q1 FY2027 Audited Audited Limited Review Total income 18,082 20,021 4,966 Profit after tax 1,916 2,167 664 Total assets 67,451 68,270 71,585 Return on average assets 3.0% 3.2% 3.8% Gearing (times) 3.3 2.8 2.9 Gross stage 3 3.1% 2.4% 2.0% CRAR 22.9% 25.5% 25.6% Source: Company, ICRA Research; All figures and ratios as per ICRA\u2019s calculations\/definition\/nomenclature; Amount in Rs. crore Status of non-cooperation with previous CRA: Not applicable Any other information: None www.icra .in Page | 5 Sensitivity Label : Public Rating history for past three years Current rating (FY2027) Chronology of rating history for the past 3 years FY2026 FY2025 FY2024 Instrument Type Amount rated (Rs. crore) Oct 23, 2026 Date Rating Date Rating Date Rating Bank lines\/Commercial paper programme^ Long term\/ Short term 34,000.00 [ICRA]AAA (Stable)\/[ICRA]A1+ Sep 16, 2025 [ICRA]AAA (Stable)\/[ICRA]A1+ Sep 17, 2024 [ICRA]AAA (Stable)\/[ICRA]A1+ Aug 18, 2023 [ICRA]AAA (Stable)\/[ICRA]A1+ Oct 24, 2025 [ICRA]AAA (Stable)\/[ICRA]A1+ - - Mar 28, 2024 [ICRA]AAA (Stable)\/[ICRA]A1+ Bank lines \u2013 Others^ Long term\/ Short term 13,000.00 [ICRA]AAA (Stable)\/[ICRA]A1+ Sep 16, 2025 [ICRA]AAA (Stable)\/[ICRA]A1+ Sep 17, 2024 [ICRA]AAA (Stable)\/[ICRA]A1+ - - Oct 24, 2025 [ICRA]AAA (Stable)\/[ICRA]A1+ Fund-based- Term loan Long term 15,000.00 [ICRA]AAA (Stable) Sep 16, 2025 [ICRA]AAA (Stable) Sep 17, 2024 [ICRA]AAA (Stable) Aug 18, 2023 [ICRA]AAA (Stable) Oct 24, 2025 [ICRA]AAA (Stable) - - Mar 28, 2024 [ICRA]AAA (Stable) NCD Long term 7,750.00 [ICRA]AAA (Stable) Sep 16, 2025 [ICRA]AAA (Stable) Sep 17, 2024 [ICRA]AAA (Stable) Aug 18, 2023 [ICRA]AAA (Stable) Oct 24, 2025 [ICRA]AAA (Stable) - - Mar 28, 2024 [ICRA]AAA (Stable) - - - - Mar 28, 2024 [ICRA]AAA (Stable) NCD Long term 800.00 [ICRA]AAA (Stable); withdrawn Sep 16, 2025 [ICRA]AAA (Stable) Sep 17, 2024 [ICRA]AAA (Stable) Aug 18, 2023 [ICRA]AAA (Stable) Oct 24, 2025 [ICRA]AAA (Stable) - - Mar 28, 2024 [ICRA]AAA (Stable) - - - - Mar 28, 2024 [ICRA]AAA (Stable) Subordinated debt Long term 5,300.00 [ICRA]AAA (Stable) Sep 16, 2025 [ICRA]AAA (Stable) Sep 17, 2024 [ICRA]AAA (Stable) Aug 18, 2023 [ICRA]AAA (Stable) Oct 24, 2025 [ICRA]AAA (Stable) - - Mar 28, 2024 [ICRA]AAA (Stable) - - - Mar 28, 2024 [ICRA]AAA (Stable) ^ CP borrowings are carved out of bank lines; Total outstanding amount against the bank lines should not exceed Rs. 47,000 crore (of which CP utilisation cannot exceed Rs. 34,000 crore) www.icra .in Page | 6 Sensitivity Label : Publ\"},{\"title\":\"Press Release\",\"summary\":\"a press release dated October 23, 2026, titled \\\"Financial Results of the Company for the quarter ended September 30, 2026\\\".\",\"source\":\"NSE\",\"published\":\"23-Oct-2026 15:03:40\",\"source_type\":\"official filing\",\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026150310_SEFilingPressReleaseSep2026signed.pdf\",\"disclosure_text\":\"October 23, 2026 The BSE Limited Corporate Relationship Department Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400 001 SCRIP CODE: 543066 SECURITY: Equity Shares\/Debentures Dear Sirs, The National Stock Exchange of India Limited Exchange Plaza, C-1, Block G, Bandra-Kurla Complex. Bandra (E), Mumbai - 400 051 SYMBOL: SBICARD SECURITY: Equity Shares Re: Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release In compliance with the provisions of Regulation 30 read with Schedule III Part A of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith the press release on Financial Results of the Company for the quarter and the half year ended September 30, 2026. The same is also being uploaded on the website of the Company at www.sbicard.com. Kindly take the same on record. Thanking you, Yours faithfully, For SBI Cards and Payment Services Limited PM Payal Mittal Chhabra Chief Compliance Officer & Company Secretary Date & Time of event: - October 23, 2026 at 02:21 Encl:.aa SBI Cards and Payment Services Ltd. DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3, DLF Cyber City, Gurugram - 122002, Haryana, India Tel.: 18001801290 Email: customercare@sbicard.com Website: sbicard.com Registered Office: Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi - 110034 CIN - L65999DL 1998PLC093849 OSBI Card PRESS RELEASE SBI Cards and Payment Services Limited Financial Results for the Quarter ended September 30, 2026 PAT at f 778 Cr Up 75% YoY New Delhi, 23 October 2026: The Board of Directors of SBI Cards and Payment Services Limited approved the Company's results for the Quarter ended September 30, 2026, at their meeting held on Friday, October 23, 2026. Performance Highlights Q2 FY27 \u2022 Total Revenue increased by 3% YoY at z 5,302 Cr in Q2 FY27 v \/s z 5,136 Cr in Q2 FY26 \u2022 PAT at t 778 Cr in Q2 FY27 v\/s z 445 Cr in Q2 FY26 \u2022 ROAA at 4.4% in Q2 FY27 v\/s 2.6% in Q2 FY26 \u2022 ROAE at 18.4% in Q2 FY27 v\/s 12.1% in Q2 FY26 \u2022 Capital Adequacy Ratio at 26.5%; Tier 1 at 21.2% Business Highlights \u2022 Cards-in-force grew by 8% YoY at 2.32 Cr as of Q2 FY27 v\/s 2.15 Cr as of Q2 FY26 \u2022 New accounts volume at 1,106K in Q2 FY27 v\/s 936K new accounts in Q2 FY26 \u2022 Spends grew by 3% YoY at z 110,689 Cr in Q2 FY27 v\/s z 107,063 Cr in Q2 FY26 \u2022 Receivables lower by 2% YoY at z 58,376 Cr in Q2 FY27 v\/s z 59,845 Cr in Q2 FY26 \u2022 Market share for *Q2 FY27 Card-in-force is at 18.5% (Q2 FY26: 19.0%), Spends is at 18.2% (Q2 FY26: 17.7%),#2 for Cards-in-force and spends, in industry . (Note-* As per RBI data available till Aug'26) Profit & Loss Account for the Quarter ended September 30, 2026 \u2022 Total income increased by 3% at z 5,302 Cr in Q2 FY27 v\/s z 5,136 Cr in Q2 FY26. This movement was a result of the following key factors: o Interest income increased by 1 % at t 2,511 Cr in Q2 FY27 v\/s z 2,490 Cr in Q2 FY26 o Fees and other income increased by 6% at t 2,630 Cr in Q2 FY27 v\/s t 2,471 Cr in Q2 FY26 \u2022 Finance costs increased by 4% at z 787 Cr in Q2 FY27 v\/s t 760 Cr in Q2 FY26 due to Higher cost of borrowings. \u2022 Total Operating cost increased by 7% at z 2,649 Cr in Q2 FY27 from z 2,484 Cr in Q2 FY26 \u2022 Earnings before credit costs decreased by 1% at z 1,865 Cr in Q2 FY27 v\/s t 1,892 Cr in Q2 FY26 \u2022 Impairment losses & bad debts expenses decreased by 37% at z 819 Cr in Q2 FY27 v\/s z 1,293 Cr in Q2 FY26 Page 113 Public OSBl card \u2022 Profit after tax increased by 75% at~ 778 Cr in Q2 FY27 v\/s ~ 445 Cr in Q2 FY26 Balance Sheet as of September 30, 2026 \u2022 Total Balance Sheet size as of September 30, 2026, was~ 71,102 Cr as against ~ 66,328 Cr as of March 31, 2026 \u2022 Total Advances (Net of provisions) as of September 30, 2026, were~ 56,532 Cr, as against ~ 54,984 Cr as of March 31, 2026 \u2022 Net worth as of September 30, 2026, was ~ 17,244 Cr as against ~ 15,797 Cr as of March 31,2026 Asset Quality The Gross non-performing assets were at 1.90% of gross advances as of September 30, 2026, as against 2.85% as of September 30, 2025. Net non-performing assets were at 0.77% as of September 30, 2026, as against 1.29% as of September 30, 2025. Capital Adequacy As per the capital adequacy norms issued by the RBI, Company's capital to risk ratio consisting of Tier I and Tier II capital should not be less than 15% of its aggregate risk weighted assets on - balance sheet and of risk adjusted value of off-balance sheet items. As of September 30, 2026, Company's CRAR was 26.5% compared to 22.5% as of September 30, 2025. The Tier I capital in respect of an NBFC-ND-SI, at any point of time, can't be less than 10%. Company's Tier I capital was 21.2% as of September 30, 2026, compared to 17.5% as of September 30, 2025. Rating CRISIL Long Term CRISIL Short Term ICRA Long Term ICRA Short Term AAA\/Stable A1+ AAA\/Stable A1+ Summary Profit and Loss Statement (f Cr) Description Q2 FY26 Interest Income 2,490 Non-Interest Income 2,471 (Fees, commission income & others) Total Revenue from operations 4,961 Total Other Income 175 Total Income 5,136 Finance costs 760 Operating Costs 2,484 Public Q1 FY27 Q2 FY27 QoQ YoY 2,421 2,511 4% 1% 2,620 2,630 0% 6% 5,041 5,141 2% 4% 165 161 -2% -8% 5,205 5,302 2% 3% 745 787 6% 4% 2,620 2,649 1% 7% Page 213 OSBI Card Earnings before credit costs 1,892 1,841 1,865 1% -1% Impairment losses & bad debts 1,293 948 819 -14% -37% Profit before tax 600 893 1,046 17% 74% Profit after tax 445 664 778 17% 75% Summary Balance Sheet (f Cr) Description Mar'26 Sep'26 Assets Loans (Net of provisions) 54,984 56,532 Cash & Bank Balances 2,320 3,759 Investments 6,374 7,980 Other Financial Assets & Trade Receivables 598 772 Total non-financial Assets 2,052 2,059 Total Assets 66,328 71,102 Liabilities and Equity Total Equity 15,725 17,172 Borrowings, Subordinated Liabilities & Debt Securities 44,064 47,850 Other financial liabilities 4,565 3,994 Total non-financial liabilities 1,974 2,087 Total liabilities and equity 66,328 71,102 About SBI Card SBI Cards and Payment Services Limited (\\\"SBI Card\\\") is a non-banking financial company that offers extensive credit card portfolio to individual cardholders and corporate clients which includes lifestyle, rewards, travel & fuel, and banking partnerships cards along with corporate cards covering all major cardholders' segments in terms of income profile and lifestyle. The brand has a wide base of over 23.1 MM+ cards in force as of Sept 2026. SBI Card has a diversified customer acquisition network that enables to engage prospective customers across multiple channels. The Company is listed on National Stock Exchange (\\\"NSE\\\") and The Bombay Stock Exchange (\\\"BSE\\\"). P.S. The brand name of the company is 'SBI Card' and it is registered in the name of 'SBI Cards and Payment Services Limited'. The company is trading under the entity name 'SBICARD' on stock exchanges. For investor queries please email investor.relations@sbicard.com For further press queries please contact: SBI Card Perfect Relations for SBI Card Vishal Tyagi Shilpa Abraham visha1.tyagi1@sbicard.com M: + 91 7907431859 shilpa.abraham@perfectrelations.com Public Page 313\"},{\"title\":\"Investor Presentation\",\"summary\":\"Investor Presentation\",\"source\":\"NSE\",\"published\":\"23-Oct-2026 14:55:16\",\"source_type\":\"official filing\",\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026145459_SEFilingInvestorPresentationSep2026.pdf\",\"disclosure_text\":\"October 23, 2026 The BSE Limited Corporate Relationship Department Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400 001 SCRIP CODE: 543066 SECURITY: Equity Shares\/Debentures Dear Sirs, The National Stock Exchange of India Limited Exchange Plaza, C-1, Block G, Bandra-Kurla Complex. Bandra (E), Mumbai - 400 051 SYMBOL: SBICARD SECURITY: Equity Shares Re: Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Copy of Presentation made for Analysts\/Investors on Financial Results In compliance with the provisions of Regulation 30 read with Schedule III Part A of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith a copy of presentation made for Analysts\/Investors on Financial Results of the Company for the quarter and the half year ended September 30, 2026. The same is also being uploaded on the website of the Company at www.sbicard.com. Kindly take the same on record. Thanking you, Yours faithfully, For SBI Cards and Payment Services Limited Payal Mittal Chhabra Chief Compliance Officer and Company Secretary Date and Time of event: - October 23, 2026 at 2:21PM Encl:.aa SBI Cards and Payment Services Ltd. DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3, DLF Cyber City, Gurugram \u2022 122002, Haryana, India Tel.: 18001801290 Email: customercare@sbicard.com Website: sbicard.com Registered Office: Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi \u2022 110034 CIN \u2022 L65999DL 1998PLC093849 INVESTOR PRESENTATION Q2 \u2013 FY 2026-27 INDEX 1 Key Highlights 2 Portfolio Growth 3 Financial Update 4 Asset Quality 5 Borrowings & Capital Adequacy 6 ESG 7 Shareholders Summary 8 Annexures 2 Key Highlights Key Highlights for Q2 FY27 4 Key Highlights for Q3FY23 4 11.06 lacs \uf070 18% YoY \uf070 8%QoQ \u20b9 778 Cr \uf070 75% YoY \uf070 17% QoQ 4.4% \uf070 180 bps YoY \uf070 54 bps QoQ 2.32 Cr \uf070 8% YoY \uf070 3% QoQ 58.7% \uf070 193 bps YoY \uf071 5 bps QoQ \u20b9 110,689 Cr \uf070 3% YoY \uf071 7% QoQ \u20b9 58,376 Cr \uf071 2% YoY \\u002d\\u002d QoQ GNPA below 2%, New Accounts crossed 1.1Mn+ New A\/cs CIF Spends Receivables PAT Cost to Income ROAA ROAE 18.4% \uf070 631 bps YoY \uf070 196 bps QoQ Balance Sheet Business VolumesProfitability 1.90% \uf071 95 bps YoY \uf071 14 bps QoQ 26.5% \uf070 393 bps YoY \uf070 83 bps QoQ 0.77% \uf071 52 bps YoY \uf071 6 bps QoQ GNPA NNPA CARGCL% 5.6%\uf071 342 bps YoY \uf071 98 bps QoQ Portfolio Growths Key Business Metrics 9.36 8.64 9.17 10.23 11.06 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Retail Spends (\u20b9 Cr) Corporate Spends (\u20b9 Cr) 8% QOQ 89,611 91,962 89,786 94,033 95,299 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 1% QOQ 37% QOQ 59,845 58,269 58,376 Q2 FY26 Q1 FY27 Q2 FY27 2.15 2.26 2.32 Q2 FY26 Q1 FY27 Q2 FY27 8% YOY 3% QOQ 18% YOY 6% YOY 12% YOY Cards-in-force (Cr) 2% YOY \\u002d\\u002d% QOQ Receivables (\u20b9 Cr) \uf0a7 ~1 Mn+ new accounts sourced in Q1 & Q2, grew 18 % YoY \uf0a7 Retail Spends higher- broad based across categories \uf0a7 IBNEA at ~55% of Receivables. Key Insights: 17,452 22,739 25,564 24,442 15,390 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 New Accounts (Lacs) 6 Portfolio Growth 77 44% 44% 46% 45% 45% 22% 23% 22% 22% 22% 34% 34% 32% 33% 33% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Transactor Revolver EMI 57,21359,845 56,926 58,269 201 212 210 212 194 168 170 164 168 167 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Ret+Corp Ret Spend per Card (\u20b9 \u2018000) Receivable per Card (\u20b9) Receivables(\u20b9 Cr)\/Mix % 53% 53% 52% 53% 53% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 30-day Retail spend active rate % 55% 55% Interest Earning Receivables 56% 58,376 27,832 26,233 25,762 25,806 25,203 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Retail Spends InsightsRetail Spends Insights UPI Spends on Rupay Cards* Spends Categories % Growth^ Category 1 Departmental Stores, Health, Utilities, Rental, Education & Direct Marketing 6% 17% 11% Category 2 Consumer durables, Furnishing & Hardware, Apparel & Jewelry 16% 5% 34% Category 3 Travel Agents, Hotels, Airline, Railways, Entertainment & Restaurant 14% 24% 11% Total Spends POS Spends Online Spend % \u2022 Q2 FY27 vs Q1 FY27 \u2013 Over 17% growth in UPI spends \u2022 Top 5 Categories for UPI Spends : Departmental Stores & Grocery | Fuel | Utilities | Electronics | Apparel *Active UPI users on Rupay Card Base of Sep\u201926. Data for UPI Retail spends only. Online Spends UPI Active CIF 26% 74% Tier 1 Tier 2+ UPI Spends 23% 77% Avg. UPI Spend\/Account\/month Rs. 18.9K Rs. 21.5K ^Q2 FY27 Over Q2 FY26 | Category analysis excludes Fuel & Automotive Service category 56.9% 57.9% 58.9% 62.5% 62.8% FY23 FY24 FY25 FY26 YTD FY27 8 Financial Update\"},{\"title\":\"Outcome of Board Meeting\",\"summary\":\"SBI Cards and Payment Services Limited has submitted to the Exchange, the Financial Results for the period ended September 30, 2026.\",\"source\":\"NSE\",\"published\":\"23-Oct-2026 14:37:40\",\"source_type\":\"official filing\",\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026143701_SEFilingOutcomeofBoardMeetingSep2026.pdf\",\"disclosure_text\":\"October 23, 2026 The BSE Limited Corporate Relationship Department Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400 001 SCRIP CODE: 543066 SECURITY: Equity Shares\/Debentures Dear Sirs, The National Stock Exchange of India Limited Exchange Plaza, C-1, Block G, Bandra-Kurla Complex. Bandra (E), Mumbai - 400 051 SYMBOL: SBICARD SECURITY: Equity Shares Re: Outcome of Board Meeting held on October 23, 2026 - Unaudited Financial Results of the Company for the quarter and the half year ended September 30,2026 In continuation of our letter dated October 19, 2026, intimating about the Board Meeting to be held on October 23, 2026, we wish to inform you that the Board of Directors of the Company, at its meeting held today, has inter alia, approved the Unaudited Financial Results for the quarter and the half year ended September 30, 2026. In this connection, we enclose herewith the following:- i. Unaudited Financial Results of the Company for the quarter and the half year ended September 30, 2026, alongwith the disclosures in accordance with Regulations 52(4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. ii. Limited review report of the Joint Statutory Auditors on the Financial Results of the Company for the quarter and the half year ended September 30, 2026, issued by the Statutory Auditors M\/s. V.K. Dhingra & Co., Chartered Accountants and M\/s. S.P.Chopra & Co., Chartered Accountants as required under Regulation 33 and Regulation 52 read with Regulation 63(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The Results have been uploaded on the Stock Exchange websites at www.bseindia.com and www.nseindia.com and are also being simultaneously posted on the website of the Company at www.sbicard.com. The Meeting of the Board of Directors commenced at 12.00 p.m. and concluded at 02:21 p.m. Kindly take the same on record. Thanking you, Yours faithfully, SBI Cards and Payment Services Ltd. DLF Infinity Towers. Tower C, 12th Floor, Block 2. Building 3, DLF Cyber City, Gurugram \u2022 122002, Haryana, India Tel: 18001801290 Email: customercare@sbicard.com Website: sbicard.com ited Registered Office: Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi - 110034 CIN \u2022 L65999DL 1998PLC093849 SBI Cards and Payment Services Limited Regd Office: Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi - 110034, Tel: 0124 -4589803 CIN:L65999DL1998PLC093849, Email: investor.relations@sbicard.com, Website: www.sbicard.com Statement of unaudited financial results for the quarter and half year ended September 30, 2026 as per Regulation 33 and Regulation 52 read with Regulation 63(2)of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. 1 Revenue from operations (i) Interest income 2,510.99 2,420.63 2,489.86 4,931.62 4,983.01 9,901.13 (ii) Fees and commission income 2,434.02 2,405.54 2,265.41 4,839.56 4,456.55 9,166.23 (iii) Sale of services 7.40 9.72 20.45 17.12 46.44 73.00 (iv) Business development incentive income 187.57 204.08 185.23 391.65 351.81 756.67 (v) Insurance commission income 0.55 0.58 0.03 1.13 0.08 2.60 Total revenue from operations 5,140.53 5,040.55 4,960.98 10,181.08 9,837.89 19,899.63 2 Other income 161.14 164.81 175.50 324.04 330.74 807.99 3 Total income (1+2) 5,301.67 5,205.36 5,136.48 10,505.12 10,168.63 20,707.62 4 Expenses (i) Finance costs 787.27 744.53 760.07 1,531.80 1,572.90 3,071.58 (ii) Fees and commission expenses 334.23 396.90 269.28 731.13 456.78 1,212.86 (iii) Impairment on financial instruments 819.37 947.68 1,292.72 1,765.99 2,644.27 4,962.39 (iv) Employee benefits expenses 180.68 206.77 157.62 387.45 319.05 661.01 (v) Depreciation, amortisation and impairment 32.54 30.51 35.01 63.05 70.04 136.25 (vi) Operating and other expenses 2,101.86 1,985.84 2,022.01 4,086.83 3,757.44 7,750.34 Total expenses 4,255.95 4,312.23 4,536.71 8,566.25 8,820.48 17,794.43 Profit before tax for the period\/year (3-4) 1,045.72 893.13 599.77 1,938.87 1,348.15 2,913.19 6 Tax expense: Current tax charge \/ (credit) 278.94 246.49 177.98 525.43 388.34 775.75 Previous year tax charge \/ (credit) - - - - - (23.92) Deferred tax charge \/ (credit) (10.82) (17.80) (22.98) (28.62) (40.93) (5.35) Total tax expenses 268.12 228.69 155.00 496.81 347.41 746.48 Profit after tax for the period\/year (5-6) 777.60 664.44 444.77 1,442.06 1,000.74 2,166.71 8 Other comprehensive income\/(loss) A. Items that will not be reclassified toprofit or loss - Remeasurements of the defined benefit liabilities \/ (asset) 3.00 117 2:21 4.17 (0.81) 5.77 - Tax impact on above (0.76) (0.29) (0.56) (1.05) 0.20 (1.45) - Gain\/(loss) on equity investment through OCI - - - - - 4.12 - Tax impact on above - - - - - (0.59) Subtotal (A) 2.24 0.88 1.65 3.12 (0.61) 7.85 B. Items that will be reclassified to profit or loss - Gain\/(loss) on investment through OCI (0.95) - - (0.95) - - - Tax impact on above 0.19 - - 0.19 - - Subtotal (B) (0.76) : : (0.76) : : Total other comprehensive income(A+B) 1.48 0.88 1.65 2.36 (0.61) 7.85 Total comprehensive income for the period\/year (7+8) 779.08 665.32 446.42 1,444.42 1,000.13 2,174.56 10 Paid up equity sharecapital (i) Equity share capital 951.64 951.61 951.55 951.64 951.55 951.60 (ii) Other equity 16,220.44 = 13,837.73 16,220.44 13,837.73 14,773.90 11 Earnings per share (not annualisedfor interim periods) (Face valueof % 10\/- each):(i) Basic (%) 8.17 6.98 467 15.15 10.52 22.77 (ii) Diluted (%) 8.17 6.98 4.67 15.15 10.52 22.77 SBI Cards and Payment Services Limit ed Regd Office: Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Waz1rpur, New Delhi - 110034, Tel: CIN:L65999DL 1998PLC093849, Email: investor.relat1ons@sbicard.com, Website: www.sbicard.com 0124 -4589803 Statement of unaudited financial results for the quarter and half year ended September 30, 2026 as per Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements} Regulations, 2015, as amended. (Figures ,n ~ Crores, unless otherwise stated) Quarter ended Half l{ear ended Year ended Particulars September 30, June 30, September 30, September 30, September 30, March 31, 2026 2026 2025 2026 2025 2026 (Unaudited) (Unaudited) (Unaudited) ( Unaudited) (Unaudited) (Audited) 1 Revenue from operations (i) Interest income 2,510.99 2.420.63 2.489.86 4,931.62 4,983.01 9,901.13 (ii) Fees and commission income 2,434.02 2,405.54 2,265.41 4,839.56 4,456.55 9,166.23 (iii) Sale of services 7.40 9.72 20.45 17.12 46.44 73.00 (iv) Business development incentive income 187.57 204.08 185.23 391.65 351.81 756.67 (v) Insurance commission income 0.55 0.58 0.03 1.13 0.08 2.60 Total revenue from operations 51140.53 51040.55 4 960.98 10 181.08 91837.89 19 899.63 2 Other income 161.14 164.81 175.50 324.04 330.74 807.99 3 Total income (1+2) 51301.67 51205.36 5 136.48 101505.12 10,168.63 20 707.62 4 Expenses (i) Finance costs 787.27 744.53 760.07 1,531.80 1,572.90 3,071.58 (ii) Fees and commission expenses 334.23 396.90 269.28 731.13 456.78 1,212.86 (iii) Impairment on financial instruments 819.37 947.68 1,292.72 1,765.99 2,644.27 4,962.39 (iv) Employee benefits expenses 180.68 206.77 157.62 387.45 319.05 661.01 (v) Depreciation, amortisation and impairment 32.54 30.51 35.01 63.05 70.04 136.25 (vi) OperatinA and other expenses 2,101.86 1,985.84 2,022.01 4,086.83 3,757.44 7,750.34 Total expenses 41255.95 4,312.23 4 536.71 8,566.25 8,820.48 17 794.43 5 Profit before tax for the period\/year (3-4) 1 045.72 893.13 599.77 1,938.87 1 348.15 2 913.19 6 Tax expense: Current tax charAe I (credit) 278.94 246.49 177.98 525.43 388.34 775.75 Previous year tax charge\/ (credit) - - - - (23.92) Deferred tax charAe \/ (credit) (10.82) (17.80) (22.98) (28.62) (40.93) (5.35) Total tax expenses 268.12 228.69 155.00 496.81 347.41 746.48 7 Profit after tax for the period\/year (5-6) 777.60 664.44 444.77 1 442.06 1,000.74 2 166.71 8 Other comprehensive income \/(loss) A. Items that will not be reclassified to profit or loss - Remeasuremen ts of the defined benefit liabilities\/ (asset) 3.00 1.17 2.21 4.17 (0.81) 5.77 - Tax impact on above (0.76) (0.29) (0.56) (1.05) 0.20 (1.45) - Gain\/(loss) on equity investment through OCI - 4.12 - Tax impact on above - (0.59) Subtotal (A) 2.24 0.88 1.65 3.12 (0.61) 7.85 B. Items that will be reclassified to profit or loss - Gain\/(loss) on investment through OCI (0.95) - (0.95) - Tax impact on above 0.19 - - 0.19 - Subtotal (B) {0.76) {0.76) - Total other comprehensive income(A+B ) 1.48 0.88 1.65 2.36 !0,611 7.85 9 Total comprehensiv e income for the period\/year (7+8) 779.08 665.32 446.42 1 444.42 1,000.13 2 174.56 - 10 Paid up equity share capital (i) Equity share capital 951.64 951.61 951.55 951 .64 951.55 951.60 (ii) Other equity 16,220.44 13,837.73 16,220.44 13,837.73 14,773.90 11 Earnings per share (not annualised for interim periods) (Face value of, 10\/- each) : (i) Basic (ti 8.17 6.98 4.67 15.1 5 10.52 22.77 (ii) Diluted I') 8.17 6.98 4.67 15.15 10.52 22.77 SBI Cards and Payment Services Limited Note 1. Statementof assets and liabilities (Figures in 2 Crores, unless otherwise stated) As at September 30,2026 As at September 30,2025 As at March31, 2026 eae ____Unauditea) (Unaudited) (Audited) ASSETS 1 Financial assets (a) Cash and cash equivalents 3,560.99 3,151.89 2,103.67 (b) Bank balance other than cash and cash equivalents 198.43 181.22 216.11 (c) Trade receivables 459.08 364.58 283.10 (d) Loans $6,532.02 57,855.67 54,984.36 (e) Investments 7,979.81 5,905.99 6,373.73 (f) Other financial assets 312.92 291.79 314.46 Total financial assets 69,043.25 67,751.14 64,275.43 2 Non-financial assets (a) Current tax assets (net) - - 26.94 (b) Deferred tax assets (net) 473.63 483.91 446.09 (c) Property plant and equipment 29.59 39.66 33.30 (d) Capital work in proaress - 0.02 0.02 (e) Intangible assets under development 9.99 8.58 12.09 (f) Intangible assets 51.09 77.09 61.05 (g) Right-of-use assets 147.19 151.42 124.66 (h) Other non financial assets 1,347.57 1,349.99 1,348.21 Total non-financial assets 2,059.06 2,110.67 2,052.36 Total assets ( 1+2) 71,102.31 69,861.81 66,327.79 LIABILITIES AND EQUITY Liabilities 1 Financial liabilities (a) Payables (I) Trade payables (i) total outstanding dues of micro and small enterprises 120.14 149.16 202.32 (ii) total outstanding duesof creditors other than micro and small 1,821.68 1,676.63 4,812.07 enterprises (II) Other payables (i) total outstanding dues of micro andsmall enterprises 3 * - (ii) total outstanding dues of creditors other than micro and small 4.29 7.63 6.50 enterprises (b) Debt securities 2,855.95 4,140.21 2,957.59 (c) Borrowings (other than debt securities) 41,519.33 41,610.29 37,620.54 (d) Subordinated liabilities 3,474.74 3,474.01 3,485.60 (e) Other financial liabilities 2,047.44 2,195.07 2,843.76 Total financial liabilities 51,843.57 53,253.00 48,628.38 2 Non- financial liabilities (a) Current tax liabilities (net) 96.46 17.26 - (b) Provisions 883.74 739.44 808.01 (c) Other non financial liabilities 1,106.46 1,062.83 1,165.90 Total non financial liabi 2,086.66 4,819.53 1,973.91 Total liabilities ( 1+2) 53,930.23 55,072.53 50,602.29 3 Equity (a) Equity share capital 951.64 951.55 951.60 (b) Other equity 16,220.44 13,837.73 14,773.90 Total equity 17,172.08 14,789.28 15,725.50 Total liabilities and equity (1+2+3) 74,102.31 69,861.81 66,327.79 wy d SBI Cards and Payment Services Limite d Note 1. Statement of assets and liabilities (Figures in ~ Crores unless otherwise stated\\\\ Particulars As at September 30, 2026 As at September 30, 2025 As at March 31, 2026 (Unaudited) (Unaudited) (Audited) ASSETS 1 Financial assets (a) Cash and cash equivalents 3,560.99 3,151.89 2,103.67 (b) Bank balance other than cash and cash equivalents 198.43 181.22 216.11 (c) Trade receivables 459.08 364.58 283.10 (d) Loans 56,532.02 57,855.67 54,984.36 (e) Investments 7,979.81 5,905.99 6,373.73 (f) Other financial assets 312.92 291.79 314.46 Total financial assets 69 043.25 67 751.14 64 275.43 2 Non- financial assets (a) Current tax assets (net) . . 26.94 (b) Deferred tax assets (net) 473.63 483.91 446.09 (c) Property plant and equipment 29.59 39.66 33.30 ldl Caoital work in orooress . 0.02 0.02 (e) Intangible assets under development 9.99 8.58 12.09 (f) Intangible assets 51.09 77.09 61.05 (g) Right-of-use assets 147.19 151.42 124.66 (h) Other non financial assets 1,347.57 1,349.99 1,348.21 Total non-financial assets 2 059.06 2110 .67 2 052.36 Total assets ( 1 +2) 71 102.31 69861 .81 66,327.79 LIABILITIES AND EQUITY Liabilities 1 Financial liabilities (a) Payables (I) Trade payables (i) total outstanding dues of micro and small enterprises 120.14 149.16 202 .32 (ii) total outstanding dues of creditors other than micro and small 1,621.66 1,676 .63 1,512.07 enterprises (II) Other payables (i) total outstanding dues of micro and small enterprises . (ii) total outstanding dues of creditors other than micro and small 4.29 7.63 6.50 enterprises (b) Debt securities 2,855 .95 4,140.21 2,957.59 (c) Borrowings (other than debt securities) 41 ,519.33 41 ,610.29 37,620.54 (d) Subordinated liabilities 3,474.74 3,474.01 3,485 .60 (e) Other financial liabilities 2,047.44 2,195.07 2,843.76 Total financial liabilities 51,843.57 53,253.00 48,628.38 2 Non- finan cial liabilities (a) Current tax liabilities (net) 96.46 17.26 . (b) Provisions 883.74 739.44 808.01 (c) Other non financial liabilities 1,106.46 1,062.83 1,165.90 Total non financ ial liabilities 2 086.66 1 819.53 1 973.91 Total liabilities ( 1 +2) 53 930.23 55 072.53 50 602.29 3 Equity (a) Equity share capital 951 .64 951.55 951.60 (bl Other equity 16 220.44 13,837.73 14,773.90 Total equity 17 172.08 14 789.28 15 725.50 Total liabilities and equity (1+2+3) 71 102.31 69 861.81 66 327.79 \u2018SBI Cards and Payment Services Limited Note 2. Statement ofcash flows (Figures in @ Crores, unless otherwise stated) = Forthe Half yearended FortheHalf yearended \u2014=\u2014_\u2014For the Year ended September 30,2026 September 30, 2025 _ March 31,2026 eee ee : (Unaudited) \u2014 (Unaudited) ; (Audited) = A. Cash flow from operating activities Profit before taxforthe period\/year TO8B.87 1,948-18. 29189 Adjustments for:Depreciation, amortisation and impairment 63.05 70.04 136.25 Liabilities written back (0.54) (0.90) (109.33)| Impairment losses & bad debts 1,765.99 2,644.27 4,962.39 Other interest income (240.99) (199.50) (415.13) Share based payment 1.69 4.53 3.83] Finance cost 1,531.80 1,572.90 3,071.58 Unrealised foreign exchange (Gain)\/loss (net) (2.29) 1.92 4.22 Loss\/ (Profit) on sale of property, plant & equipment 0.05 - (0.08) Lossi(Profit) on sale on investments (0.32) - (1.67) Interest incomereceived on loans 4,293.53 4,381.35 8,719.80 Operatingprofit before working capital changes 9,350.84 9,822.76 49,282.05 Adjustments for changesin working capital Adjustments for (increase) \/ decreasein operating assets: Bank balance other than cash & cash equivalent 17.75 19.44 (15.45) Trade receivables (176.45) (129.64) (47.61) Other financial assets (1.71) (9.34) (31.58) Other non-financial assets 0.66 (6.00) (4.22) Loans (3,313.09) (6,564.41) (5,902.80) Interest Income on loans (4,293.53) (4,381.35) (8,719.80) Adjustments for increase \/ (decrease) in operating liabilities: Other financial liabilities (809.77) (1,150.89) (473.32) Other non-financial liabilities (57.19) (103.38) (21.96) Provisions 79.89 60.24 140.36] Trade payables 226.55 232.85 121.31 Cash generated from\/ (usedin) operations before taxes 1,023.95, (2,209.72) 4,326.98 Finance cost paid (1,636.19) (1,636.46) (3,062.18) Cash generated from\/ (used in) operations before taxes (612.24) (3,846.18) 1,264.80 Direct taxes paid (net of refunds) (402.03) (364.07) (771.77) Net cash generated from\/ (used in) operating activities (A) (1,014.27) (4,210.25) 493.03 B. Cash flow from investing activities Purchase of property, plant and equipment, capital work-in-progress, intangible assets and intangible assets (16.45) (16.66) (33.64) under development Proceeds from saleof property, plant and equipment and intangible assets 0.01 0.78 0.09] Purchase of investments (5,400.71) (1,702.94) (5,109.71) Proceeds from saleof investments 3,790.67 2,040.00 4,734.29 Cash inflow from interest income 243.60 192.33 654.44 Net cash generated from\/ (used in) investing activities (B) (1,382.88) 513.51 245.47 C. Cashflow from financing activities Proceeds from issue of share capital (including security premium and share pending allotment) 0.48 2.90 3.25] Proceedsfrom issue of debt securities - 439.56 2,000.00} Repayment of debt securities - (1,250.00) (2,050.00) Borrowings (other than debt securities) 3,890.67 3,151.90 (842.27) Proceedsfrom subordinated liabilities - 2,000.00 - Interim dividend paid (0.01) (0.01) (217.01) Paymentoflease liabilities (35.67) (33.25) (66.33)| Net cash generated from\/(usedin) financing activities (C) 3,855.47 4,314.10 (4,172.36) D. Net increase \/ (decrease) in cash and cash equivalents (A+B+C) 1,457.32 614.36 (433.86) Cash and cash equivalents asat the beginningofthe year\/period* 2,103.67 2,537.53, 2,537.53 Cash and cash equivalents asat the end of the year\/period* 3,560.99 3,151.89 2,103.67 *Cash & cash equivalents balance the period ended September 30, 2026 includes Rs. 0.74 Crores held in Escrow account to meet IPO expenses (for year ended March 31, 2026 Rs. 0.74 Crores) Note: 1. The Cash Flow Statement has been prepared in accordance with the \u2018Indirect Method! specified in Ind AS 7, Statement of Cash Flows, as per Accounting Standards specified under Section 133 of the Companies Act, 2013, read with the Companies (Indian Accounting Standards) Rules 2015. Millenniura Tower \u00a3-1,2,3, Netaji Subhash Place, Wezirpur SB I Cards and Payment Services Limited Note 2. Statem ent of cash flows (Figures ,n i C\"},{\"summary\":\"a press release dated October 23, 2026, titled \\\"Financial Results of the Company for the quarter ended September 30, 2026\\\".\",\"category\":\"Press Release\",\"date\":\"23-Oct-2026 15:03:40\",\"source\":\"NSE filing\",\"industry\":null,\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026150310_SEFilingPressReleaseSep2026signed.pdf\",\"headline\":\"Earnings \/ operating update\",\"impact\":\"Earnings updates are directly relevant to valuation. Revenue growth, margins, profit growth and management guidance are the key items to compare with expectations.\",\"importance_score\":5,\"completeness_score\":3},{\"summary\":\"SBI Cards and Payment Services Limited has submitted to the Exchange, the Financial Results for the period ended September 30, 2026.\",\"category\":\"Outcome of Board Meeting\",\"date\":\"23-Oct-2026 14:37:40\",\"source\":\"NSE filing\",\"industry\":null,\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026143701_SEFilingOutcomeofBoardMeetingSep2026.pdf\",\"headline\":\"Earnings \/ operating update\",\"impact\":\"Earnings updates are directly relevant to valuation. Revenue growth, margins, profit growth and management guidance are the key items to compare with expectations.\",\"importance_score\":5,\"completeness_score\":4},{\"summary\":\"SBICARD: SBI Cards and Payment Services Limited has informed the Exchange regarding a press release dated October 15, 2026, titled \\\"SBI Card and Eternal Launch Co-Branded Eternal SBI Card\\\".\",\"category\":\"Press Release\",\"date\":\"15-Oct-2026 15:06:22\",\"source\":\"NSE filing\",\"industry\":null,\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_15102026150353_SEfilingpressreleaseoct2026.pdf\",\"headline\":\"Business update\",\"impact\":\"This is a substantive business update. Its relevance depends on whether it changes revenue growth, margins, capacity, competitive positioning or execution visibility.\",\"importance_score\":4,\"completeness_score\":4},{\"summary\":\"a press release dated September 23, 2026, titled \\\"SBI Card Launches Fixed Deposit Backed Secured Advantage SBI Card on SBI YONO\\\".\",\"category\":\"Press Release\",\"date\":\"23-Sep-2026 16:02:29\",\"source\":\"NSE filing\",\"industry\":null,\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23092026155542_SEFilingPressRelease.pdf\",\"headline\":\"Business update\",\"impact\":\"This is a substantive business update. Its relevance depends on whether it changes revenue growth, margins, capacity, competitive positioning or execution visibility.\",\"importance_score\":4,\"completeness_score\":3}],\"recent_news\":[{\"summary\":\"a press release dated October 23, 2026, titled \\\"Financial Results of the Company for the quarter ended September 30, 2026\\\".\",\"category\":\"Press Release\",\"date\":\"23-Oct-2026 15:03:40\",\"source\":\"NSE filing\",\"industry\":null,\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026150310_SEFilingPressReleaseSep2026signed.pdf\",\"headline\":\"Earnings \/ operating update\",\"impact\":\"Earnings updates are directly relevant to valuation. Revenue growth, margins, profit growth and management guidance are the key items to compare with expectations.\",\"importance_score\":5,\"completeness_score\":3},{\"summary\":\"SBI Cards and Payment Services Limited has submitted to the Exchange, the Financial Results for the period ended September 30, 2026.\",\"category\":\"Outcome of Board Meeting\",\"date\":\"23-Oct-2026 14:37:40\",\"source\":\"NSE filing\",\"industry\":null,\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23102026143701_SEFilingOutcomeofBoardMeetingSep2026.pdf\",\"headline\":\"Earnings \/ operating update\",\"impact\":\"Earnings updates are directly relevant to valuation. Revenue growth, margins, profit growth and management guidance are the key items to compare with expectations.\",\"importance_score\":5,\"completeness_score\":4},{\"summary\":\"SBICARD: SBI Cards and Payment Services Limited has informed the Exchange regarding a press release dated October 15, 2026, titled \\\"SBI Card and Eternal Launch Co-Branded Eternal SBI Card\\\".\",\"category\":\"Press Release\",\"date\":\"15-Oct-2026 15:06:22\",\"source\":\"NSE filing\",\"industry\":null,\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_15102026150353_SEfilingpressreleaseoct2026.pdf\",\"headline\":\"Business update\",\"impact\":\"This is a substantive business update. Its relevance depends on whether it changes revenue growth, margins, capacity, competitive positioning or execution visibility.\",\"importance_score\":4,\"completeness_score\":4},{\"summary\":\"a press release dated September 23, 2026, titled \\\"SBI Card Launches Fixed Deposit Backed Secured Advantage SBI Card on SBI YONO\\\".\",\"category\":\"Press Release\",\"date\":\"23-Sep-2026 16:02:29\",\"source\":\"NSE filing\",\"industry\":null,\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/SBICARDS_23092026155542_SEFilingPressRelease.pdf\",\"headline\":\"Business update\",\"impact\":\"This is a substantive business update. Its relevance depends on whether it changes revenue growth, margins, capacity, competitive positioning or execution visibility.\",\"importance_score\":4,\"completeness_score\":3}],\"shareholding_snapshot\":{\"promoter_pct\":68.86,\"public_pct\":31.14,\"fii_pct\":7.12,\"dii_pct\":20.2,\"mf_pct\":13.0,\"institutional_pct\":27.32,\"noninst_pct\":3.83,\"mf_scheme_count\":34,\"pledged_shares\":null,\"pledged_pct_of_promoter\":null,\"mf_holders\":[{\"name\":\"Icici Prudential Large &amp; Mid Cap Fund\",\"shares\":73345094,\"pct\":7.71},{\"name\":\"Nippon Life India Trustee Ltd-A\/C Nippon India Multi Cap Fund\",\"shares\":20572726,\"pct\":2.16},{\"name\":\"SBI Large &amp; Mid Cap Fund\",\"shares\":9517541,\"pct\":1.0}],\"period\":\"30-SEP-2026\",\"submission_date\":\"14-OCT-2026\",\"source\":\"NSE shareholding pattern XBRL\",\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/xbrl\/SHP_1737457_14102026121442_WEB.xml\",\"previous_period\":\"30-JUN-2026\",\"previous_promoter_pct\":68.86,\"previous_fii_pct\":8.99,\"previous_dii_pct\":18.13,\"previous_mf_pct\":10.8,\"previous_institutional_pct\":27.12,\"previous_mf_scheme_count\":25,\"previous_pledged_pct_of_promoter\":null,\"previous_pledged_shares\":null},\"bulk_block_deals\":[{\"deal_type\":\"Bulk\",\"date\":\"31 Aug, 2026\",\"party\":\"BNP PARIBAS FINANCIAL MARKETS\",\"side\":\"Buy\",\"quantity\":\"97,83,762\",\"price\":\"646.04\",\"value\":\"\u20b9632.07 Cr\",\"source\":\"NSE-reported large-deal disclosure\"},{\"deal_type\":\"Bulk\",\"date\":\"31 Aug, 2026\",\"party\":\"BLACKROCK INTL LTD\",\"side\":\"Sell\",\"quantity\":\"52,86,841\",\"price\":\"647.68\",\"value\":\"\u20b9342.42 Cr\",\"source\":\"NSE-reported large-deal disclosure\"},{\"deal_type\":\"Bulk\",\"date\":\"31 Aug, 2026\",\"party\":\"BLACKROCK GLOBAL FUNDS\",\"side\":\"Sell\",\"quantity\":\"49,98,879\",\"price\":\"644.75\",\"value\":\"\u20b9322.30 Cr\",\"source\":\"NSE-reported large-deal disclosure\"}]} --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sbi Cards &#038; Pay Ser share price fell 3.66% to \u20b9545.55 today. See why SBICARD is falling, volume context, company developments and what to watch next.<\/p>\n","protected":false},"author":1,"featured_media":8220,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_witty_seo_title":"Sbi Cards & Pay Ser Share Price Today: Why SBICARD Is Falling 3.66% | 23 October 2026","_witty_meta_description":"Sbi Cards & Pay Ser share price fell 3.66% to \u20b9545.55 today. See why SBICARD is falling, volume context, company developments and what to watch next.","_witty_primary_phrase":"Sbi Cards & Pay Ser share price today","_witty_reason_label":"Earnings reaction and continued weakness in unsecured lending segment","_witty_reason_confidence":"medium","footnotes":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_yoast_wpseo_focuskw":"","rank_math_title":"","rank_math_description":"","rank_math_focus_keyword":"","_aioseop_title":"","_aioseop_description":""},"categories":[3,4],"tags":[115],"class_list":["post-8221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-movers","category-stocks-in-news","tag-sbicard"],"_links":{"self":[{"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/posts\/8221","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/comments?post=8221"}],"version-history":[{"count":2,"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/posts\/8221\/revisions"}],"predecessor-version":[{"id":8309,"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/posts\/8221\/revisions\/8309"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/media\/8220"}],"wp:attachment":[{"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/media?parent=8221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/categories?post=8221"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wittytrades.com\/market-news\/wp-json\/wp\/v2\/tags?post=8221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}